Athene Holding Ltd.

Athene Holding Ltd. began selling a variety of retirement solutions, including annuities and life insurance, over a decade ago. Though the company no longer sells insurance, it still provides four types of annuity products: fixed, fixed indexed, registered index-linked and immediate annuities.

Jennifer Schell headshot
  • Written By
    Jennifer Schell

    Jennifer Schell

    Financial Writer

    Jennifer Schell is a professional writer focused on demystifying annuities and other financial topics including banking, financial advising and insurance. She is proud to be a member of the National Association for Fixed Annuities (NAFA) as well as the National Association of Insurance and Financial Advisors (NAIFA).

    Read More
  • Edited By
    Savannah Hanson
    Savannah Hanson, financial editor for

    Savannah Hanson

    Senior Financial Editor

    Savannah Hanson is an accomplished writer, editor and content marketer. She joined as a financial editor in 2021 and uses her passion for educating readers on complex topics to guide visitors toward the path of financial literacy.

    Read More
  • Financially Reviewed By
    Timothy Li, MBA
    Timothy Li, MBA Headshot

    Timothy Li, MBA

    Business Finance Manager

    Timothy Li, MBA, has dedicated his career to increasing profitability for his clients, including Fortune 500 companies. Timothy currently serves as a business finance manager where he researches ways to increase profitability within the supply chain, logistics and sales departments.

    Read More
  • Updated: March 23, 2023
  • 5 min read time
  • This page features 13 Cited Research Articles
Fact Checked
Fact Checked partners with outside experts to ensure we are providing accurate financial content.

These reviewers are industry leaders and professional writers who regularly contribute to reputable publications such as the Wall Street Journal and The New York Times.

Our expert reviewers review our articles and recommend changes to ensure we are upholding our high standards for accuracy and professionalism.

Our expert reviewers hold advanced degrees and certifications and have years of experience with personal finances, retirement planning and investments.

Cite Us
How to Cite's Article

APA Schell, J. (2023, March 23). Athene Holding Ltd.. Retrieved April 1, 2023, from

MLA Schell, Jennifer. "Athene Holding Ltd..", 23 Mar 2023,

Chicago Schell, Jennifer. "Athene Holding Ltd.." Last modified March 23, 2023.

Why Trust
Why You Can Trust has provided reliable, accurate financial information to consumers since 2013. We adhere to ethical journalism practices, including presenting honest, unbiased information that follows Associated Press style guidelines and reporting facts from reliable, attributed sources. Our objective is to deliver the most comprehensive explanation of annuities and financial literacy topics using plain, straightforward language.

Our Partnerships, Vision and Goals

We pride ourselves on partnering with professionals like those from Senior Market Sales (SMS) — a market leader with over 30 years of experience in the insurance industry — who offer personalized retirement solutions for consumers across the country. Our relationships with partners including SMS and Insuractive, the company’s consumer-facing branch, allow us to facilitate the sale of annuities and other retirement-oriented financial products to consumers who are looking to purchase safe and reliable solutions to fill gaps in their retirement income. We are compensated when we produce legitimate inquiries, and that compensation helps make an even stronger resource for our audience. We may also, at times, sell lead data to partners in our network in order to best connect consumers to the information they request. Readers are in no way obligated to use our partners’ services to access the free resources on carefully selects partners who share a common goal of educating consumers and helping them select the most appropriate product for their unique financial and lifestyle goals. Our network of advisors will never recommend products that are not right for the consumer, nor will Additionally, operates independently of its partners and has complete editorial control over the information we publish.

Our vision is to provide users with the highest quality information possible about their financial options and empower them to make informed decisions based on their unique needs.

About Athene

Athene began in 2008 as a startup founded by two former insurance company executives, James Belardi and Chip Gillis. The company provides retirement savings products, including annuities and funding agreements.

As of June 2022, Athene operates worldwide with $234.3 billion in total assets. Athene is a leading annuity provider specializing in fixed annuities, indexed annuities and group annuity solutions. According to the company’s website, Athene’s mission is to create innovative financial solutions and build a strong team to serve its policyholders and its communities.

If you have questions about an Athene annuity contract, you can call one of the following customer service numbers (depending on the type of annuity you own):
Fixed Annuity Contracts Issued by Aviva Life and Annuity Company or Athene Annuity and Life Company
ATHENE MaxRate® Annuity Contracts (beginning with NY1)
ATHENE MaxRate® Annuity Contracts (beginning with NY0)
Fixed Annuity Contracts Issued by Investors Insurance Corporation
Fixed Annuities (contracts beginning with MA)
Fixed Annuity Contracts Issued by Liberty Life Insurance Company or RBC Insurance (that do not begin with MA)
Fixed Annuity Contracts Issued by Presidential Life
Variable Annuities

Credit Ratings

Before you purchase an annuity, check the provider’s financial strength ratings. These scores, also called credit ratings, can tell you how likely the annuity provider is to ‌meet its financial obligations. Credit ratings are determined by independent agencies based on the financial stability of the annuity provider.

As of July 2022, Athene has received strong ratings from three of the major credit rating agencies: AM Best, Fitch Ratings and Standard & Poor’s.

Athene Credit Ratings
Credit AgencyRatingOutlook
AM BestAStable
Standard & Poor’sA+ Positive

Annuity Products Offered by Athene

Athene offers four types of annuities for the retail market, including fixed annuities, fixed indexed annuities, registered index-linked annuities and immediate annuities.

Fixed Annuities

When you purchase a fixed annuity, you put away a lump sum of money, called the premium, to grow tax-deferred at a fixed rate. After a certain number of years, your annuity matures and is converted to a guaranteed stream of income you won’t outlive.

Athene sells fixed annuities with premiums ranging from $5,000 to $1 million. You can choose a term period of three, five or seven years to best suit your needs.

Athene Fixed Annuities
  • Athene MYGSM
  • Athene MYGSM with Return of Premium Option
  • Athene MaxRate

Fixed Indexed Annuities

Athene also offers fixed indexed annuities, which combine the low risk of fixed annuities and moderate returns of variable annuities. Like a fixed annuity, a fixed indexed annuity has a guaranteed rate of return that will grow the premium by a certain percentage each year.

Fixed indexed annuities also accumulate interest based on the performance of an equity market index. This type of annuity offers greater growth potential than a fixed annuity, but still provides some protection of your retirement savings.

Athene’s fixed indexed annuity products offer tax-deferred growth potential with guaranteed returns. Customers can purchase optional riders to get additional benefits, including lifetime income, increased liquidity or an enhanced death benefit.

Athene Fixed Indexed Annuities
  • AccuMaxSM
  • AccumulatorSM
  • AgilitySM
  • Ascent ProSM
  • Performance Elite®
  • ProtectorSM

Registered Index-Linked Annuities

A registered index-linked annuity, also known as a RILA, is another type of annuity with growth linked to the performance of a published stock market index.

Unlike fixed indexed annuities, RILAs do not offer guaranteed rates of return. Instead, potential loss is mitigated by chosen buffer rates or floor rates that kick in if the index takes a downturn.

Athene offers RILAs which include unique crediting features that have the potential to enhance growth and increase protection against value losses. The Athene® Amplify RILA is a 6-year annuity with the option to choose one of three market indices to link to your premium’s growth. The Athene® Amplify 2.0 Series RILAs offer greater flexibility and protection levels with five indices to choose from.

Immediate Annuities

Unlike other types of annuities, an immediate annuity does not have an accumulation phase when your premium grows in value. Instead, the lump-sum premium is immediately converted into a stream of guaranteed income payments.

Athene’s single premium immediate annuities let customers choose to receive payments for a fixed period or for life. Owners may choose a survivor who will continue receiving benefits after them. Athene also gives immediate annuity customers the choice of receiving payments monthly, quarterly, semiannually or annually.

Client Resources

Clients With questions about their Athene annuity can find answers to frequently asked questions on Athene’s website. Customers can register for My Athene, an online portal that lets annuity holders view statements, change beneficiaries, request withdrawals or update their contact information.

Customers can also access relevant service forms related to all of Athene’s retirement product offerings online.

If you have an annuity with Athene, you can log into your account at:

About has provided reliable, accurate and trustworthy financial information to readers since 2013. We partner with professionals like those from Senior Market Sales (SMS), a market leader with over 30 years of experience in the insurance industry, to offer personalized retirement solutions for consumers across the country.

Any information offered about the company above is provided free of charge and individual product offerings are verified and accurate as of publication.

Our partners work with the provider companies mentioned on our site. However, is not a service provider. Actual products, terms and rates offered through the above company are subject to in-state availability and a variety of other factors. Visit the Our Partners page for additional information.

More About Our Partners

Connect With a Financial Advisor Instantly

Our free tool can help you find an advisor who serves your needs. Get matched with a financial advisor who fits your unique criteria. Once you’ve been matched, consult for free with no obligation.

Please seek the advice of a qualified professional before making financial decisions.
Last Modified: March 23, 2023

13 Cited Research Articles writers adhere to strict sourcing guidelines and use only credible sources of information, including authoritative financial publications, academic organizations, peer-reviewed journals, highly regarded nonprofit organizations, government reports, court records and interviews with qualified experts. You can read more about our commitment to accuracy, fairness and transparency in our editorial guidelines.

  1. Athene Holding. (n.d.). Athene Amplify. Retrieved from
  2. Athene Holding. (n.d.). Athene Amplify 2.0 Series. Retrieved from
  3. Athene Holding. (n.d.). Fixed Annuities. Retrieved from
  4. Athene Holding. (n.d.). Fixed Indexed Annuities. Retrieved from
  5. Athene Holding. (n.d.). Frequently Asked Questions. Retrieved from
  6. Athene Holding. (n.d.). Immediate Annuities. Retrieved from
  7. Athene Holding. (n.d.). Our Story. Retrieved from
  8. Athene Holding. (n.d.). Registered Index-Linked Annuities (RILAs). Retrieved from
  9. Athene Holding. (n.d.). Service Forms. Retrieved from
  10. Bloomberg. (n.d.) Athene Holding Ltd. Retrieved from
  11. Business Wire. (2022, April 21). A.M. Best Affirms Credit Ratings of Athene Holding Ltd. and Its Subsidiaries; Assigns Credit Ratings to Athene Annuity Re Ltd. Retrieved from
  12. Cbonds. (2022, January 6). S&P Global Ratings Affirms Athene Holding at “A-” (Local Currency LT Credit Rating); Outlook Positive. Retrieved from
  13. Fitch Ratings. (2022, May 19). Fitch Upgrades Athene’s Ratings to ‘A+’; Outlook Stable. Retrieved from